Working Capital
Support day-to-day operating requirements, cash-flow gaps and recurring business needs.
BUSINESS LOANFunding should support
Funding should support
the business decision.
Unsecured business funding can support working capital, inventory, expansion, equipment and other eligible business requirements. The right route depends on the complete business and credit profile — not only the amount required.
BUSINESS FUNDING USESCapital for the
Capital for the
next business move.
A business loan can serve different purposes. What matters is whether the funding requirement, repayment position and borrower profile fit an appropriate lending route.
Inventory & Stock
Prepare for demand, seasonal cycles or business opportunities that require timely inventory.
Business Expansion
Consider funding for capacity, a new location, growth initiatives or other eligible expansion requirements.
Equipment & Business Assets
Support eligible equipment, machinery or asset requirements where additional capital may be needed.
WHAT MAY INFLUENCE ELIGIBILITYLenders assess more than
Lenders assess more than
business turnover.
Exact criteria can differ by lender and product. These are some of the broader factors that may influence a business-loan assessment.
BUSINESS VINTAGE01
How established is the business?
The operating history and continuity of the business can influence lender assessment.
TURNOVER & CASH FLOW02
What does the business generate?
Turnover, income visibility and financial performance help lenders understand repayment capacity.
BANKING BEHAVIOUR03
How does money move through the account?
Account conduct, credits, balances and other banking patterns can form an important part of assessment.
EXISTING OBLIGATIONS04
What is already being serviced?
Existing loans and monthly commitments affect the overall repayment position of the borrower.
CREDIT PROFILE05
What does repayment history indicate?
Credit history and existing facilities can influence lender comfort and available options.
LENDER POLICY06
Does the profile fit the institution?
Different lenders can apply different policies even when evaluating the same business profile.
PROFILE BEFORE PRODUCTThe same business can receive
The same business can receive
different lender responses.
Banks and financial institutions may differ in their approach to turnover, banking, industry, obligations, credit behaviour and other policy conditions.
That is why choosing a lender before understanding the complete profile can be the wrong starting point.
STARTING WITH A BANKProduct → Application → Assessment
VSThe customer begins with a lender and discovers policy fit later in the process.
THE CREDITLINE APPROACHRequirement → Profile → Suitable Options
Understand the known profile first, then explore relevant lending possibilities.
A BUSINESS DECISIONDon't evaluate funding cost
Don't evaluate funding cost
in isolation.
For a business owner, the decision is not only whether borrowing carries a cost. It is also whether timely capital can support an opportunity, operating need or business objective that otherwise may be delayed or missed.
The sensible comparison is between the expected business value, repayment capacity, total borrowing cost and the risk of taking — or not taking — the funding.
BE READY FOR ASSESSMENTBusiness-loan
Business-loan
readiness.
Documentation varies by lender, borrower constitution, product and profile. Keeping the core information organised can make the assessment journey easier.
01
Identity and address information
02
Business constitution and registration details, where applicable
03
Recent banking information
04
Income, turnover or financial information relevant to the profile
05
Existing loan and obligation details
06
Additional documents requested under the selected lender's policy
CLEAR EXPECTATIONSGuidance without
Guidance without
approval promises.
Eligibility, loan amount, pricing, tenure, documentation and approval remain subject to the applicable lender's policy, assessment and approval.
Creditline's role is to help understand the requirement and profile, explore relevant lending possibilities and assist with the journey.
START WITH YOUR BUSINESSTell us the requirement.